Quick Answer: Can My Son Drive My Car With My Insurance?

Can someone drive my car if they are not on my insurance?

If a friend or a family member has an accident and isn’t insured, then you will have to use your insurance.

Unless you have expressly denied that driver permission to use your vehicle..

Can a car be owned by one person and insured by another?

Getting Insurance as a Non-Owner While the person who owns a car is usually the one who insures it, most states will allow policies to be paid by someone other than the owner. … If there is a claim on the policy and the policyholder and car owner are different, the insurance company may deny the claim.

Is it cheaper to be under someone else’s insurance?

Unless you are over the age of 25 and have a perfect driving record, it will be cheaper for you to just stay on your parents’ policy. Your rate is based entirely on risk. … Therefore, younger drivers are charged much higher than average car insurance rates.

What happens when someone not on your insurance crashes your car?

If your friend is uninsured, you’ll probably need to use your collision insurance to cover the damages to your own vehicle and your liability insurance may cover damage to others’ property.

What happens when someone not on your insurance gets in an accident?

Insurance applies to the vehicle. So, if someone who is not on your insurance plan is driving your vehicle, your insurance still applies in the case of an accident.

Can my son drive my car if he is not insured?

If your adult child, or anyone else for that matter, drives your car, the driver is covered by your auto insurance policy. The reason is that car insurance follows the car, not the motorist. This fact has ramifications for you as the owner of the insured car.

What happens if I let someone else drive my car?

If you let someone else drive your car and they get in an accident, your insurance company would likely be responsible for paying the claim, depending on the coverages in your policy. The claim would go on your insurance record and could affect your car insurance rates in the future.

How does insurance work if someone borrows your car?

If a friend borrows your car and causes an accident, your insurance policy pays for any at-fault damages. A rule of thumb to remember in this situation is “car insurance follows the car, not the driver.” It’s still a good idea to make sure whoever drives your car has their own insurance policy, though.

What happens if my son crashes my car?

If someone else is driving your car and gets in an accident, your car insurance will likely cover any resulting damage, which means the claim will go on your insurance record and could affect your rates. On the other hand, if your car is taken without permission or the driver is not licensed, the driver is responsible.

Can I let my son drive my car?

Typically, if you lend your car to a licensed driver, they will be covered under you policy through what’s called permissive use. Permissive use is when you allow someone not on your policy, like a friend, to drive your vehicle from time to time.

Can other people drive my car?

You can safely lend your vehicle to someone without worrying about whether that person is named as a driver on your auto insurance policy if the following three conditions are met: … The person is a licensed driver, legally allowed to operate a motor vehicle in Alberta.

What happens if someone not on your insurance wrecks your car?

What happens if someone wrecks your car and they aren’t on your insurance? … But if you can prove they weren’t given permission to drive or if they’re specifically excluded from your policy, then your insurance won’t cover them and they’ll be liable for the damage they caused.